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Despite an increase in bank accounts, Pakistan's credit outreach remains limited. Our private sector credit to GDP is just 14.8%, lagging behind countries like Egypt (30.8%) and Bangladesh (39%).

Pakistani women face significant borrowing disparity: Only 3.28% access formal loans, with smaller average amounts than men.

Credit card ownership paints a similar picture: Only 13.1% belong to women by Q1-2023. That's just 1.4% of female account holders with a credit card by December 2022.

A mere 3.6% of Pakistanis have borrowed from financial institutions, placing us fourth lowest out of 145 countries, per World Bank’s Findex.

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